Cholamandalam Investment and Finance Company Limited Stock Price Today (NSE: CHOLAFIN)
Cholamandalam Investment and Finance Company Limited
Fundamental Score
Cholamandalam Investment and Finance Company Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Cholamandalam Investment and Finance Company Limited share price today is ₹1888.20, up +2.07% on NSE/BSE as of 3 August 2026. Cholamandalam Investment and Finance Company Limited (CHOLAFIN) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹1.54L (Cr). The 52-week high for CHOLAFIN share price is ₹1875.00 and the 52-week low is ₹1299.40. At a P/E ratio of 29.36x, CHOLAFIN is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 19.35% and a debt-to-equity ratio of 6.93.
Cholamandalam Investment and Finance Company Limited Share Price Chart — NSE/BSE Historical Performance
Cholamandalam Investment and Finance Company Limited share price chart: 2.58% return over the past month. 52-week high ₹1875.00, 52-week low ₹1299.40.
Cholamandalam Investment and Finance Company Limited — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1870.40 | ₹1913.00 | ₹1861.10 | ₹1888.20 | 22.77L (Cr) | |
| ₹1787.80 | ₹1863.10 | ₹1779.40 | ₹1849.90 | 29.44L (Cr) | |
| ₹1785.40 | ₹1808.80 | ₹1758.00 | ₹1773.80 | 12.09L (Cr) | |
| ₹1805.00 | ₹1839.60 | ₹1776.20 | ₹1802.90 | 27.13L (Cr) | |
| ₹1782.90 | ₹1815.70 | ₹1696.20 | ₹1753.00 | 36.25L (Cr) | |
| ₹1744.00 | ₹1804.50 | ₹1743.80 | ₹1785.20 | 19.63L (Cr) | |
| ₹1702.00 | ₹1741.30 | ₹1660.40 | ₹1724.40 | 19.12L (Cr) | |
| ₹1725.10 | ₹1731.40 | ₹1700.10 | ₹1717.30 | 11.97L (Cr) | |
| ₹1782.00 | ₹1782.00 | ₹1753.50 | ₹1758.80 | 13.52L (Cr) | |
| ₹1789.90 | ₹1789.90 | ₹1756.10 | ₹1782.80 | 8.84L (Cr) |
Cholamandalam Investment and Finance Company Limited — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1870.40 | ₹1913.00 | ₹1861.10 | ₹1888.20 | +0.95% | |
| ₹1790.00 | ₹1875.00 | ₹1660.40 | ₹1849.90 | +3.35% | |
| ₹1532.90 | ₹1823.90 | ₹1444.60 | ₹1789.80 | +16.76% | |
| ₹1562.90 | ₹1734.80 | ₹1491.00 | ₹1537.70 | -1.61% | |
| ₹1401.90 | ₹1605.60 | ₹1299.40 | ₹1562.90 | +11.48% | |
| ₹1661.00 | ₹1722.10 | ₹1335.00 | ₹1354.70 | -18.44% | |
| ₹1570.90 | ₹1776.70 | ₹1527.00 | ₹1730.80 | +10.18% | |
| ₹1707.10 | ₹1831.50 | ₹1607.40 | ₹1631.60 | -4.42% | |
| ₹1748.00 | ₹1759.80 | ₹1554.70 | ₹1702.20 | -2.62% | |
| ₹1697.90 | ₹1777.00 | ₹1644.60 | ₹1736.00 | +2.24% | |
| ₹1597.10 | ₹1782.00 | ₹1557.80 | ₹1696.80 | +6.24% | |
| ₹1419.40 | ₹1644.20 | ₹1412.30 | ₹1610.80 | +13.48% |
AI Research Briefing
Powered by Gemini · 2026-04-10
Expensive NBFC play on Indian consumption with a governance question mark.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Cholamandalam Investment and Finance Company (CHOLAFIN) has been active on several fronts. They've scheduled a board meeting on April 30, 2026, to approve FY26 financial results and closed the trading window until May 2, 2026. In March 2026, CHOLAFIN allotted Cr worth of secured non-convertible securities via private placement at a 7.94% coupon rate. They also awarded a Cr contract for a new corporate office building.
CORE STORY (THE REAL GAME)
- ₹2000 Cr NCD allotment
- ₹540 Cr corporate office contract
- Upcoming FY26 results
- Stronger-than-expected FY26 results
- Resolution of governance concerns
- Further expansion into high-growth lending segments
- High Debt/Equity
- Low Interest Coverage
- Governance allegations
FII decreased holdings by 1.11%, while DII increased by 1.22%.
RBI's focus on growth and new NBFC framework are tailwinds.
₹540 Cr contract for new corporate office building.
Poor, Free Cash Flow 5Y: ₹-111191.08 Cr.
Expect continued growth in AUM, but watch for asset quality deterioration and governance issues. 3-6 month target: ₹1650, downside to ₹1400 if concerns resurface.
Primary Thesis Risk
A major governance failure could destroy the thesis.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Cholamandalam Investment and Finance Company Limited Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Cholamandalam Investment and Finance Company Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of CHOLAFIN across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Return on Equity (19.35%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (70.27%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (30.62%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (19.46%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (26.56% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (27.08% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (28.05% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 44.78%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Suboptimal ROCE (9.71%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 6.93)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.49x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-132573.99 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Cholamandalam Investment and Finance Company Limited vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Cholamandalam Investment and Finance Company Limited with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
65.8/100 | ₹1888.20₹1888 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Manappuram Finance LtdManappuram Fina... MANAPPURAM • 531213 | 23/100 | ₹371.85₹372 | ₹30890.12₹30890.12 | 30.79Average 30.8 Average | 7.04%Poor 7.04% Poor | 8.26%Poor 8.26% Poor | 3.60Poor 3.6 Poor | -10.26%Poor -10.26% Poor | 8.48%Good 8.48% Good | 1.07% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
- HDB Financial Services Limited share price62415.22 Cr
Cholamandalam Investment and Finance Company Limited PE Ratio History
Historical price-to-earnings ratio for CHOLAFIN — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹50.60 | ₹1702.20 | 33.6x |
| FY 2024 | ₹41.06 | ₹1187.80 | 28.9x |
| FY 2023 | ₹32.38 | ₹1260.00 | 38.9x |
| FY 2022 | ₹26.19 | ₹725.50 | 27.7x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Cholamandalam Investment and Finance Company Limited Dividend History
Annual cash dividends paid by CHOLAFIN — dividend yield 0.11%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹168.11 Cr |
| FY 2024 | ₹166.78 Cr |
| FY 2023 | ₹164.31 Cr |
| FY 2022 | ₹164.17 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
Cholamandalam Investment and Finance Company Limited Quarterly Performance
Latest quarterly metrics for CHOLAFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
19.46%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
30.62%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
26.56%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
28.05%
Compounded annual net profit growth over 5 years
Cholamandalam Investment and Finance Company Limited Technical Indicators
SMA 50, SMA 200, RSI and volume signals for CHOLAFIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Cholamandalam Investment and Finance Company Limited Financial Statements
Annual income statement, balance sheet and cash flow for Cholamandalam Investment and Finance Company Limited (CHOLAFIN) — sourced from NSE/BSE filings.
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About CHOLAFIN (Cholamandalam Investment and Finance Company Limited)
Cholamandalam Investment and Finance Company Limited is a prominent non-banking financial institution in India, deeply rooted in the Murugappa Group's legacy of trust and customer-...centricity. The company specializes in providing financial solutions to a diverse range of customers, particularly in the semi-urban and rural markets. CHOLAFIN has meticulously crafted its product portfolio to cater to the specific needs of its target segments. Through a widespread network of branches and a dedicated team of professionals, the company strives to deliver accessible and convenient financial services, empowering individuals and small businesses to achieve their aspirations. The company emphasizes building long-term relationships with its customers, understanding their unique circumstances, and offering customized financial solutions to support their growth and prosperity. CHOLAFIN's core strength lies in its comprehensive suite of lending products, designed to facilitate the acquisition of income-generating assets. From vehicle finance, encompassing commercial vehicles, passenger vehicles, and tractors, to construction equipment loans, the company plays a pivotal role in enabling entrepreneurs and businesses to expand their operations. Recognizing the importance of secure housing and business growth, CHOLAFIN also offers loan against property and home loans, providing individuals and businesses with the financial resources to invest in real estate. The company further extends its support to micro, small, and medium enterprises (MSMEs) through specialized SME loans and other tailored financial products, fostering entrepreneurship and economic development. Beyond its lending activities, Cholamandalam Investment and Finance Company Limited maintains a strong focus on responsible lending practices and financial inclusion. The company actively promotes financial literacy among its customers, empowering them to make informed financial decisions. It also leverages technology to enhance its service delivery, improve operational efficiency, and expand its reach to underserved communities. Through its commitment to ethical conduct, customer satisfaction, and sustainable growth, CHOLAFIN endeavors to be a trusted financial partner for individuals and businesses across India, contributing to their economic well-being and national development.
Company Details
Key Leadership
Corporate Events
CHOLAFIN Share Price: Frequently Asked Questions
What is the current share price of Cholamandalam Investment and Finance Company Limited?
Cholamandalam Investment and Finance Company Limited (CHOLAFIN) trades at ₹1888.20 on NSE and BSE. Market cap ₹1.54L (Cr). Educational data only.
What is the P/E ratio of Cholamandalam Investment and Finance Company Limited?
Cholamandalam Investment and Finance Company Limited has a P/E of 29.36x vs industry average 22.18x.
What is the Bull Run score for Cholamandalam Investment and Finance Company Limited?
Cholamandalam Investment and Finance Company Limited has a Bull Run score of 65.8/100 based on 25+ financial parameters.
Does Cholamandalam Investment and Finance Company Limited pay dividends?
Cholamandalam Investment and Finance Company Limited has a dividend yield of 0.11%. Past dividends don't guarantee future payments.
What is the ROE of Cholamandalam Investment and Finance Company Limited?
Cholamandalam Investment and Finance Company Limited has ROE of 19.35%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Cholamandalam Investment and Finance Company Limited?
Cholamandalam Investment and Finance Company Limited has debt-to-equity of 6.93.
Is Cholamandalam Investment and Finance Company Limited a good investment?
Bull Run gives Cholamandalam Investment and Finance Company Limited a score of 65.8/100. This is not investment advice — consult a SEBI-registered advisor.